Using RFID to Enhance Mobile Banking Security (PDF)

File information

Title: Microsoft Word - Using_RFID_to_Enhance_Mobile_Banking_Security
Author: Izzat

This PDF 1.4 document has been generated by PScript5.dll Version 5.2 / Acrobat Distiller 7.0.5 (Windows), and has been sent on on 14/09/2011 at 11:14, from IP address 94.249.x.x. The current document download page has been viewed 2264 times.
File size: 386.43 KB (7 pages).
Privacy: public file

File preview

(IJCSIS) International Journal of Computer Science and Information Security,
Vol. 8, No. 9, December 2010

Using RFID to Enhance Mobile
Banking Security
Zakaria Saleh

Izzat Alsmadi

MIS Department, IT faculty
Yarmouk University
Irbid, Jordan

CIS Department, IT faculty
Yarmouk University
Irbid, Jordan

Abstract— Mobile banking is introducing a new generation of
location-independent financial services using mobile terminals.
This facilitates allowing users to make payments, check
balances, transfer money between accounts and generate
statements of recent transactions on their cellular phones.
While providing , anywhere, anytime banking to the user, the
service should be secure and security needs to be implemented
at various levels, starting from the SIM card security, mobile
software security, and secure customer access to banking
services. Banks rely on users having their mobile phones with
them all the time. Hence, as a mean for security measures,
banks can send alerts, anytime, in order to provide an
enhanced security and services. This paper analyzes the
security issues in Mobile Banking, and proposes an improved
security to the mobile banking services using RFID.
Key words: Mobile banking, security, RFID, Wireless
communication, Pervasive Computing, smart cards, and
contactless payment, wireless security, and e-commerce.



Mobile banking is set to reform the way people manage
their money, and while Internet banking brought banks to the
desktop, the Mobile banking is bringing it right into users’
pockets. However, in an age of uncontrolled cyber crime,
security is the primary concern. The remarkable increase in
cellular phone usage has been followed by an increase in
mobile fraud. Many users are concerned about the security
aspect when carrying out financial transactions over the
mobile network.
Mobile is often the only means of access available for
millions of users in many countries. A report published by
IMS [62] on Mobile Applications and Services indicates that
mobile penetration in many developing markets is far higher
than that of banking or fixed line infrastructure. However,
lack of security is seen as the biggest deterrent to the

widespread adoption of mobile financial services. KPMG
LLP examined trends in the use of mobile technology of
more than 4,000 people in 19 countries worldwide, where the
91 % respondents said they had never tried banking through
a mobile device, and 48% (those respondents who have not
conducted banking through a mobile device) cited security
and privacy as the primary reason. This research will
investigate the current security within mobile banking while
focusing on users’ authentication, and propose a model that
will further enhance access security using RFID.
What is mobile banking?
The Mobile Banking environment requires both a Bank
and a Mobile Network Operator (MNO) to deliver a
Transactional or informational banking service to a consumer
through the mobile phone. The implementation of wireless
communication technologies may result in more complicated
information security problems [23]. In developing countries,
the role of the mobile phone is more extensive than in
developed countries, as it helps bridge the digital divide.
Even with initiatives like the One Laptop per Child (OLPC),
the mobile penetration in many developing markets is far
higher than that of banking or fixed line infrastructure [62].
People carry their mobile phones at all times, and services
beyond voice communication are expected by users all over
the globe. Users desire the same kind of services they get
through an Internet-connected PC to be available through
their mobile phone.
Mobile banking allows users to perform everyday
banking functions using the mobile phone. All the major
banks offer some type of mobile service for bill payment,
funds transfers, checking balances, and receiving alerts [19].
Financial institution use mobile banking in one of different
• Mobile Text Banking: In their simplest form, mobile
banking services enable enables users to retrieve information

(IJCSIS) International Journal of Computer Science and Information Security,
Vol. 8, No. 9, December 2010

about bank accounts from a mobile phone using Short
Message Service (SMS) .
• Mobile Web/Client Banking: Using a mobile phone’s
data connection, this service provides users with an interface
and a login with password feature.

different frequencies, but generally the most common are
low-frequency (around 125 KHz), high-frequency (13.56
MHz) and ultra-high-frequency or UHF (860-960 MHz).
Microwave (2.45 GHz). The RFID operating frequencies and
associated characteristics are illustrated in table 1[17].

Mobile Text Banking
SMS Based applications may be the simplest form of
mobile banking implementation [18]. The solution is not
intuitive and has no aesthetic value but is as simple as
sending an SMS. SMS is used primarily as an informational
banking tool as opposed to transactional banking. However,
SMS can provide a pro-active functionality to send brief text
messages to customers ensuring that the relevant information
is provided to the user at the “right” place, at the “right” time
[21]. The reason being that transactional banking requires
certain levels of security, and while SMS is encrypted using
the standard GSM encryption across the air, the SMS
message is store in plaintext format, and the current SMS
banking design has neglected the fact that some employees
working for the cellular service provider can have access to
the transmitted message at the service stations. Therefore
using plaintext SMS message to send security details is not
sufficiently secure [20]












Ultra high frequency




300 MHz–3GHz

2–30 GHz

13.56 MHz

433 MHz or

2.45 GHz


865 – 956MHz
2.45 GHz
433 MHz = up to
100 meters
865-956 MHz = 0.5
to 5 meters
433–956 = 30 Kbit/s
2.45=100 Kbit/s

0.5 meter

Up to


Typical data
transfer rate

less than 1



Animal ID

Smart Labels

Specialist animal


Typical use

travel cards


vehicle toll

read range

Up to 10m
Up to 100

Mobile Web/Client Banking
Mobile Web/Client Banking is a browser-based
application, where users would access the Internet from a
mobile phone. It usually offer 24/7 real-time access to users
accounts right from a Web-enabled cell phone, allowing
users to access account information, pay bills, transfer
funds, or find a in some cases nearby ATM or Branch from
the handheld mobile device[24]. The service requires no
special software. However, For Mobile Web/Client Banking,
the phone would have to support web browsing [22], which
usually requires a "data" support plan as part of the mobile
The Radio Frequency Identification (RFID) system at the
very simplest level, Radio Frequency Identification (RFID)
system consists of a tag (or transponder) and reader (or
interrogator) with an antenna. Tags can be passive with no
power source or active. The technology allows for the
transmission of a serial number wirelessly, using radio
waves. A typical RFID transponder (tag) which can be
passive (no battery) or active (with battery) consists of an
antenna and an integrated circuit chip which is capable of
storing an identification number and other information [16].
The reader sends out electromagnetic waves. The tag antenna
is tuned to receive these waves. A passive RFID tag draws
power from the field created by the reader and uses it to
power the microchip's circuits. The chip then modulates the
waves that the tag sends back to the reader, which converts
the new waves into digital data. RFID systems use many

A smart phone with RFID tag for ATM communication:
Experiments and Analysis; RFID enabled cell phones
A paper published in RFID journal in 2004 [33] predicted
that within 5 years, 50% of cell phones will include RFID
chips to use Near Field Communication (NFC), a two-way
technology. The service was supposed to automatically
connect cell phones with services in a similar fashion that
occurs between airplanes and air traffic controllers on earth.
NFC technology uses short-range RFID transmissions that
provide easy and secure communications between various
devices [33]. The important element in this proposal is the
automatic peer to peer communication between RFID
equipments without user involvement. The cell phone can be
connected to RFID enabled applications such as websites,
ATMs, restaurant outlets, GPS, etc. Files or video transfer is
also possible similar to the current Bluetooth technology. In
order to make this work, an NFC chip embedded in a phone
can act as an RFID reader when the phone is on and a
passive smart label or RFID tag when the phone is off.
There are two main ways to integrate RFID with a
wireless smartphone: “A smartphone with RFID tags” and “a
smartphone with an RFID reader” [34]. The first one is a
typical cell phone that has embedded or attached an RFID
chip with some identification information programmed on it.
Its antenna is also equipped with RF antenna to be able to
communicate with the RFID readers when they are within

(IJCSIS) International Journal of Computer Science and Information Security,
Vol. 8, No. 9, December 2010

the range. The RFID tag information is sent to the reader and
the reader can write information back to the phone.
On the other hand, the second type contains an RFID
reader that can collect data from various RFID tags with also
an RF antenna.
However, the technology is not going very smooth. The
limited UHF bandwidth and dense reader problems are still
major issues to adoption
NFC and ISO 14443 13.56 standard for NFC and RFID
enabled phones
Near Field Communication (NFC) is a standards-based,
short-range wireless connectivity technology that enables
simple and safe two-way interactions among electronic
devices [61].An ISO standard (14443) is proposed for NFC
RFID enabled phones operating at 13.56 MHz in close
proximity with a reader antenna. 14443 has certain features
that make it particularly well-suited to applications involving
sensitive information such as contactless credit cards as data
transmitted is encrypted and the transmission is very short.
Physical contact between the reader and the transponder is
not necessary. Even a line of sight is not required. A tag may
be attached to a package in the form of a smart label, worn
on a person hand, attached to a ring of keys or carried in a
purse along with conventional credit cards.
Some of the sought goals from using NFC RFID enabled
phones are: Making payments using contactless card readers,
reading account or status information from any equipment
that has RFID such as stores items, discounts from smart
posters or smart billboards, etc, store tickets to access
transportation gates, parking garages or get into events, and
many others.


Recently, there are many examples for RFID enabled
( has developed three, cell-phone readable
tablets suitable for gravestones that once touched can read
information about the diseased.
In 2005, Wal-Mart
announced its decision to require its suppliers to be ready to
track goods using RFID tags. Other fields of applications for
RFIDs are: Transport and logistics: toll management,
tracking of goods, security and access control: tracking
people (students etc.), controlling access to restricted areas,
supply chain management: item tagging, theft-prevention,
medical and pharmaceutical applications: identification and
location of staff and patients, asset tracking, counterfeit
protection for drugs, manufacturing and processing:
streamlining assembly line processes, agriculture: tracking of
animals, quality control, public sector, sports and shopping
[38]. There are some other applications that are expected to
be used with RFID enabled smartphones. Examples of such
applications include: web information retrieval, data
transmission, automated messaging, voice services, device

integration, presence indication, and mobile payments and
money transactions.
The focus on this literature review will be on FRID
applications in cell phones and more particularly for banking
applications. A smartphone with an RFID reader can be
placed on a tag located on an equipment and use the wireless
network to browse through the Internet [35]. Similar to
wireless sensors, RFID enables phones can collect data at
real time for many applications such as automatic material,
items, weather status tracking, etc.
Currently, there are many phone companies such as
Nokia, Motorola, Apple, Minec who are designing or
developing RFID enabled phones [35, 36, 37]. In 2004,
Nokia introduced its first RFID enabled phone 5140. Figure
shows the user interface for Nokia 3220 that is also RFID

Figure 1. Cell phone screen with RFID tag feature

Mobile payment with RFID enabled phones is already
available in some regions of the world. For example, in
Japan and Germany, train users can pay their tickets using
their enabled phones. Similar approaches are applied for
airline check-in services. In France, Carrefour embraces
RFID payments by card and phone.
In the following paragraphs, we will mention some
papers that discussed using wireless phones in the security of
mobile banking which is the focus of this subject. Some
papers discussed mobile banking security, evaluations and
metrics in general and examples of threats. [42, 44, 49, 50,
51, 53, 54, 56, 57]. Narendiran et al discussed using PKI
security framework for mobile banking [40]. Shahreza
discussed using stenography for improving mobile banking
security [41]. Hossain et al [43] discussed enhancing security
of SMS for financial and other services [43]. Manvi et al,
Itani et al, and Krol et al proposed using J2EE and J2ME for
enhancing mobile banking security [45, 47, 58]. Hwu et al
proposed an encrypted identity mechanism for financial
mobile security [46]. Ghotra et al proposed using Secure
Display Devices (SDD) with phones for secure financial
transactions [48]. Zhu et al and Rice et al proposed a
framework for secure mobile payments based on
cryptography [52, 55]. Henkel et al discussed the idea of

(IJCSIS) International Journal of Computer Science and Information Security,
Vol. 8, No. 9, December 2010

secure remote cash deposit [59]. Finally, in a similar goal to
this paper, Arabo proposed utilizing phones for securing
ATM transactions [60]

Figure 2: Mobile Banking Security System



Mobile Banking gives users instant connectivity to their
accounts anytime, anywhere using the browser on their
mobile device, allowing users to access account details,
history and check account balances, which increase
convenience for the consumer, while reducing banking costs.
Value-added services are the key for long-term survival
online banking. However, given the uncertain nature of the
transmission environment, there are security shortfalls in
the present mobile banking implementations such as security
problems with GSM network, SMS/GPRS protocols and
security problems with current banks mobile banking
solutions [63].
Services have security and privacy barriers that causes
resistance and slows down the adoption, a recent study
shows that 91 % of the respondents said they had never tried
banking through a mobile device, and 48% of those who
have not conducted banking through a mobile device
indicated that security and privacy are the primary reason .
A lot still prefer traditional telephone banking or ATMs and
service terminals [1]. Thus, bank managers could enhance
adoption of mobile banking services by concentrating their
marketing efforts on factors under those barriers.

A. Mobile Banking Security System
Figure 2 shows a typical mobile banking system using
cell phones. In mobile banking as with online and traditional
banking methods, security is a primary concern. Banks
announce that all standard “Distance” Banking security
features are applied at login including multifactor
authentication by soliciting multiple answers to challenge
questions. However, this may be considered strong
authentication but, unless the process also retrieves
'something you have' or 'something you are', it should not be
considered multi-factor. Nevertheless, Data security between
the customer browser and the Web server is handled through
Secure Sockets Layer (SSL) security protocol. SSL protects
data in three key ways: 1) Authentication to ensure that a
user is communicating with the correct server; 2) Encryption
to make transferred data unreadable to anyone except the
intended recipient; 3) Data integrity and verify that the
information sent by users was not altered during the transfer
(usually If any tampering has occurred, the connection is
dropped) [6]. There are no bouts that banks have taken every
precaution necessary to be sure that information is
transmitted safely and securely. The security of mobile
banking application is addressed at three levels (see Figure
2). The first concern is the security of customer information
as it is sent from the customer's mobile phone to the Web
server. The second area concerns the security of the
environment in which remote access to the banking server
and customer information database reside. Finally, security
measures are in place to prevent unauthorized users from
attempting to log into the online banking section of the Web

Proposed Framework Modification

Banks providing mobile services need to work on
reducing security risks and improving customers’ trust.
Therefore, in an attempt to help banks achieve a high level of
trust of mobile banking, this study has developed a module
that shall further tighten security of mobile banking, and
reduce the associated risk (see Figure 3), by adding a RadioFrequency Identification (RFID) reader to the mobile
banking system, on the end user’s mobile phone.

Figure 3: Proposed Module to Increase Mobile Security

Proposed hardware changes: Cell phones with RFID

(IJCSIS) International Journal of Computer Science and Information Security,
Vol. 8, No. 9, December 2010

proposed use login use case for ATM that include verifying
customers identity with their RFID tag along with the card
number and PIN.

Figure 4. Connecting cell phone with ATMs through RFID

RFID tags, that are composed of an antenna connected to
an electronic chip. Figure 4 shows a simple design to connect
cell phones with the ATM system. When an RFID tag passes
through the field of the scanning antenna, it detects the
activation signal from the antenna. That "wakes up" the
RFID chip, and it transmits the information on its microchip
to be picked up by the scanning antenna. The RFID reader
transmits radio-frequency queries, tags respond by sending
back information they enclose. Finally, a Mobile phone
hosting a specific RFID application pilots the reader and
processes the data it sends. RFID does not require a line-ofsight reader. This whole process is depicted in Figure SSS.

Figure 5. RFID enabled phones.

Figure 7. Typical ATM display model, with RFID attribute added to
customer accounts

Proposed software changes, Programming the cell

The major modification proposal for phones is hardware.
Once, the phone is NFC RFID enabled, accompanied
software can be included to be able to synch the phone with
the RFID reader. Other expected tasks will depend whether
we want the RFID tag in the phone to be active or passive, or
if we want it to send and receive signals or just be a passive
receiver or responder (Figure 5).

Figure 6: Use case of proposed modification on ATM access authentication

Programming the ATM and the banking system

ATM user interface should be modified to include adding
a new security rule for login. Figure 6 and 7 show the

The banking system should be also modified to be able to
deal with users RFID tags creation, cancelation, update,
verification, etc. Eventually this can be incorporated with the
database management system where the tag ID will be added
as an attribute to users’ accounts.
In this paper, we proposed utilizing NFC RFID enabled
phone for mobile banking security. This proposal is expected
to solve problems with identity or credit card thefts. Users
will be required to have their smart phones with them to be
able to process ATM transactions. This is convenient as

(IJCSIS) International Journal of Computer Science and Information Security,
Vol. 8, No. 9, December 2010

users usually have their mobile phones with them all the
time. Technology can help facilitating this service without
breaking bank or users’ privileges or security.
[1] Berger, S. C., and Gensler, S. (2007) "Online Banking Customers:
Insights from Germany". Journal of Internet Banking and Commerce, ,
vol. 12, no.1.
[2] Betts, W. (2000). Defying denial of service attacks. Network Magazine,
16(5), 36-41
[3] Greenberg, P. A. & Caswell, S. (February 1, 2001). Online banking
fraud raises more security concerns. E-Commerce Times, ,. Retrieved
[4] Cheung, C. and M. Lee (2000). “Trust in Internet Shopping: a proposed
model and Measurement Instrument”. Proceedings of the Americas
Conference on Information Systems, pp. 681-689
[5] Dandash, O., Le, P. D., and Srinivasan, B. (2007) “Security Analysis
for Internet Banking Models”. Eighth ACIS International Conference
on Software Engineering, Artificial Intelligence, Networking, and
Parallel/Distributed Computing, July 30, 2007-Aug. 1 2007
Page(s):1141 - 1146
[6] Freier A., Karlton P., and Kocher P. (1996). “SSL 3.0 Specification”.
draft-freier-ssl-version3-02.txt, Netscape Communications
[7] Foster, A. (2002) “Federal Officials Issue Alert on Security of College
Networks.” Chronicle of Higher Education, July 5, 2002, A32.
[8] Read, B. (2002). “Delaware Student Allegedly Changed Her Grades
Online.” Chronicle of Higher Education, August 2, 2002, A29.
[9] Saleh, Z. I. (2003). “An Examination Of The Internet Security And Its
Impact On Trust And Adoption Of Online Banking “, Unpublished PhD
Dissertation, Capella University
[10] Sarma, S. “Integrating RFID” Queue, Volume 2 Issue 7, ACM Press,
[11] Stewart, D. Pavlou and S. Ward (2001). "Media Influences on
Marketing Communications," In Media Effects: Advances in Theory
and Research, J. B. a. D. Zillmann (Ed.), Erlbaum, Hillsdale, N. J.
[12] Koufaris, M.and Hampton-Sosa, W.(2005). "The Effect of Web Site
Perceptions on Initial Trust in the Owner Company" International
Journal of Electronic Commerce Vol 10,No 1, Pages 55-81
[13] Laukkanen, P., Sinkkonen, S., Laukkanen, T., and Kivijärvi, M.(2007).
“Consumer Resistance and Intention to Use Internet Banking Services.
EBRF 2007 conference, 25-27 September 2007. Finland
[14] Want, R. “RFID Magic” Queue, Volume 2 Issue 7, ACM Press, 2004.
[15] Woodforest (2007). “Frequently Asked Questions”. Retrieved August
12, 2007 <>.
[16] Galehdar, A. Thiel, D & O’Keefe S (2007). “Antenna Efficiency
Calculations for Electrically Small, RFID Antennas” IEEE Antennas
and Wireless Propagation Letters, VOL. 6, 156-159.
[17] IET (2006). Radio Frequency Identification Device Technology
(RFID) Factfile. The Institution of Electrical Engineers.
[18] Mallat, N, Rossi, M, & Tuunainen, V. (2004). “Mobile Banking
Services”. Communications of The ACM, Vol. 47, No. 5. 42-46
[19] Adler, J.(2009)"Is Mobile Banking Getting Connected?". DIGITAL
[20] Chong M (2006). "Security of Mobile Banking:Secure SMS Banking
". Data Network Architectures Group. University of Cape Town, South
[21] Rajnish Tiwari, R. Buse, S. & Herstatt C. (2006)"Mobile Banking As
Business Strategy: Impact Of Mobile Technologies On Customer
Behaviour And Its Implications For Banks". Portland International
Conference on Management of Engineering and Technology
(PICMET) 2006, 8–13 July 2006, Istanbul, Turkey.
[22] Kuwayama, J. (2008) "New Mobile Banking Products Present
Opportunities And Challenges". Printed in Wisconsin Community
Banking News June 2008.
[23] Jin Nie Xianling Hu (2008). “Mobile Banking Information Security
and Protection Methods”.
Computer Science and Software

Engineering, 2008 International Conference on, 12-14 Dec. 2008, 587
– 590
[24] Deb M. (August 2009).“Keep Your Finances Literally at the Tip of
Your Fingers”. Bank of America Mobile Banking, REVIEW –
Retrieved on March 2010 from–-bank-of-america-mobile-banking/
[25] Mohammed A Qadeer, Nadeem Akhtar, Shalini Govil, Anuja
Varshney, A Novel Scheme for Mobile Payment using RFID-enabled
Smart SIMcard, 2009 International Conference on Future Computer
and Communication
[26] Jiahao Wang1, 2, Edward C. Wong2, Terry Ye3, PGMAP: A Privacy
Guaranteed Mutual Authentication Protocol Conforming to EPC Class
1 Gen 2 Standards, IEEE International Conference on e-Business
Engineering, 2008.
[27] Jiahao Wang1, 3, Terry Ye2, Edward C. Wong3, Privacy Guaranteed
Mutual Authentication on EPCglobal Class 1 Gen 2 Scheme, The 9th
International Conference for Young Computer Scientists, 2008.
[28] Ching-Nung Yang, Jie-Ru Chen, Chih-Yang Chiu, Gen-Chin Wu, and
Chih-Cheng Wu, Enhancing Privacy and Security in RFID-Enabled
Banknotes, 2009 IEEE International Symposium on Parallel and
Distributed Processing with Applications.
[29] D. Malocha, N. Kozlovski, B. Santos, J. Pavlina, M. A. Belkerdid and
(SAW) RF ID TAG AND SENSOR, Military Communications
Conference, 2009. MILCOM 2009. IEEE.
[30] Anand Oka and Lutz Lampe, Distributed Scalable Multi-Target
Tracking with a Wireless Sensor Network, IEEE Communications
Society, 2009.
[31] Xu Guangxian, The Research and Application of RFID Technologies
in Highway’s Electronic Toll Collection System, Wireless
Communications, Networking and Mobile Computing, 2008.
[32] Mohamed Gamal El Din, Bernd Geck, and H. Eul, Adaptive Matching
for Efficiency Enhancement of GAN Class-F Power Amplifiers, IEEE
MTT-S International Microwave Workshop on Wireless Sensing,
[33] Claire Swedberg, Developing RFID-Enabled Phones, RFID Journal,
July 9th 2004.
[34] Dora Karali, Integration of RFID and Cellular Technologies1,
Technical report/ white paper UCLA-WINMEC-2004-205-RFIDM2M.
[35] Nokia’s RFID Kit,
[36] RFID Journal, Nokia Unveils RFID Phone Reader, March 17, 2004,
Gerhard Romen
[37]. Minec Web Site:
[38] Christoph Seidler, RFID Opportunities for mobile telecommunication
services, ITU-T Lighthouse Technical Paper, 2005.
[39] Elham Ramezani, Mobile Payment, 2008.<>.
[40] C. Narendiran1 S. Albert Rabara2 N. Rajendran, PUBLIC KEY
Proceedings of the World Wireless Congress, WWC`2008
[41] Mohammad Shirali-Shahreza, Improving Mobile Banking Security
Using Steganography, International Conference on Information
Technology (ITNG'07).
[42] Jin ,Nie, Xianling,Hu, Mobile Banking Information Security and
Protection Methods, 2008 International Conference on Computer
Science and Software Engineering
[43] Md. Asif Hossain1, Sarwar Jahan, M. M. Hussain, M.R. Amin, S. H.
Shah Newaz, A Proposal for Enhancing The Security System of Short
Message Service in GSM. 235-240, ASID ISBN: 978-1-4244-2585-3",
[44] C.Narendiran, S.Albert Rabara, N.Rajendran, Performance Evaluation
on End-to-End Security Architecture for Mobile Banking System,
Wireless Days, 2008. WD '08. 1st IFIP
[45] S. S. Manvi, L. B. Bhajantri, Vijayakumar.M.A, Secure Mobile
Payment System inWireless Environment, 2009 International
Conference on Future Computer and Communication
[46] Jing-Shyang Hwu, Rong-Jaye Chen, and Yi-Bing Lin, An Efficient
Identity-based Cryptosystem for End-to-end Mobile Security, IEEE

(IJCSIS) International Journal of Computer Science and Information Security,
Vol. 8, No. 9, December 2010
[47] Wassim Itani and Ayman I. Kayssi, J2ME End-to-End Security for MCommerce, Wireless Communica- tions and Networking - WCNC
[48] Sandeep Singh Ghotra, Baldev Kumar Mandhan, Sam Shang Chun
Wei, Yi Song, Chris Steketee, Secure Display and Secure Transactions
Using a Handset, Sixth International Conference on the Management of
Mobile Business (ICMB 2007)
[49] Mahesh .K. harma , Dr. Ritvik Dubey, Prospects of technological
advancements in banking sector using Mobile Banking and position of
India, 2009 International Association of Computer Science and
Information Technology
[50] Jongwan Kim, Chong-Sun Hwang, Applying the Analytic Hierarchy
to the Evaluation of Customer-Oriented Success Factors in Mobile
Commerce, Services Systems and Services Management, 2005.
Proceedings of ICSSSM '05.
[51] Toshinori Sato, and Itsujiro Arita, In Search of Efficient Reliable
Processor Design, Proceedings of the 2001 International Conference on
Parallel Processing,
[52] Y. Zhu and J. E. Rice, A Lightweight Architecture for Secure TwoParty Mobile Payment, 2009 International Conference on
Computational Science and Engineering.
[53] Matthew Freeland, Hasnah Mat-Amin, Khemanut Teangtrong, Wichan
Uraiporn Wattanakasemsakul, Pervasive Computing: Business Opportunity
and Challenges, Management of Engineering and Technology, 2001.
[54] Zhenhua Liu and Qingfei Min, and Shaobo Ji, An Empirical Study on
Mobile Banking Adoption: The Role of Trust, 2009 Second
International Symposium on Electronic Commerce and Security
[55] J. E. Rice and Y. Zhu, A Proposed Architecture for Secure Two-Party
Mobile Payment, IEEE PacRim09
[56] Toshinori Sato'y, and Itsujiro Arital, Evaluating Low-Cost FaultTolerance Mechanism for Microprocessors on Multimedia
Applications, Proceedings of the 2001 Pacific Rim International
Symposium on Dependable Computing.
[57] Shan chu, and Lu yao-bin. The effect of online-to-mobile trust transfer
and previous satisfaction on the foundation of mobile banking initial
trust, 2009 Eighth International Conference on Mobile Business.
[58] Przemyslaw Krol, Przemysław Nowak, and Bartosz Sakowicz, Mobile
Banking Services Based On J2ME/J2EE, CADSM’2007.
[59] Joseph Henkel, and Justin Zhan. Remote Deposit Capture in the
Consumer’s Hands, IEEE 2010.
[60] Abdullahi Arabo, Secure Cash Withdrawal through Mobile
Phone/Device, Proceedings of the International Conference on
Computer and Communication Engineering 2008.
[61] Patrick Henzen, Near Field Communication Technology and the Road
Ahead, NFC Forum, 2007.
[62] IMS (2009). "900M Users for Mobile Banking and Payment Services
in 2012 - 29 May 2008". Research Published July 8, 2009.
[63] Chikomo, K., Chong, M., Arnab, A. & Hutchison A. (2006).
“Security of Mobile Banking”. Technical Report CS06-05-00,
Department of Computer Science, University of Cape Town.

Download Using RFID to Enhance Mobile Banking Security

Using_RFID_to_Enhance_Mobile_Banking_Security.pdf (PDF, 386.43 KB)

Download PDF

Share this file on social networks


Link to this page

Permanent link

Use the permanent link to the download page to share your document on Facebook, Twitter, LinkedIn, or directly with a contact by e-Mail, Messenger, Whatsapp, Line..

Short link

Use the short link to share your document on Twitter or by text message (SMS)


Copy the following HTML code to share your document on a Website or Blog

QR Code to this page

QR Code link to PDF file Using_RFID_to_Enhance_Mobile_Banking_Security.pdf

This file has been shared publicly by a user of PDF Archive.
Document ID: 0000033702.
Report illicit content